[ithos]

Did they require it to be upgraded to the next generation with the mildly flammable refrigerant or do you have the option of using a 410A system? Did they require the Air handling unit to be replaced too?

If it is 410A you won't have to replace the inside unit which will be much cheaper if you have that option. Also remember 410A will be still available for years to come but it will gradually go up in cost. Only the production of 410A equipment will be halted at the end of this year.

The new refrigerant mandate officially takes effect on January 1, 2025. From this date forward, new HVAC systems and air conditioning units will no longer be manufactured with R-410A refrigerant. Instead, any new HVAC equipment produced and installed will be required to use a refrigerant with a lower GWP than R-410A, like A2L refrigerants such as R-454B and R-32.

R-410A Refrigerant Phase Out: Upgrade Your AC Now And Save Big.

[jamorela]

Originally Posted by capecoralbill

What the heck are they doing on your roof?

They weren’t on my roof. They saw water dripping from the ceiling which came from my roof.

[ithos]

Under what circumstances would the insurance company be required to replace the HVAC condenser? A lightning strike?
Most failures are due to bad compressors which will cost several thousand dollars with labor. I don't think insurance covers that.
Most other problems would be relatively inexpensive.

[NoMoSno]

Originally Posted by ithos

Under what circumstances would the insurance company be required to replace the HVAC condenser? A lightning strike?
Most failures are due to bad compressors which will cost several thousand dollars with labor. I don't think insurance covers that.
Most other problems would be relatively inexpensive.

Just a guess...
Many 20 year old systems do not have condensate drain line shut-off float switches.
They are required by code today.
A clogged drain line could cause water damage.

[bshuler]

You might want to make sure you aren’t leaving behind any loyalty rewards such as good driver discounts, or accident forgiveness.

There might be rebates from your electric company to buy a new system (more efficient using less electricity).

[GPGuar]

Originally Posted by tophcfa

Failed HVAC can lead to excessive humidity causing mold and a very costly insurance claim. It’s definitely related to their business, like it or not.

Assuming that you are living in a house with a failed HAVC unit. I would guess that the people living there would repair or replace the unit within days so I would doubt that any mold or mildew would be much of a problem. Now if no one is living there that’s something else, then I can see the insurance company having concerns.

[tophcfa]

Originally Posted by GPGuar

Assuming that you are living in a house with a failed HAVC unit. I would guess that the people living there would repair or replace the unit within days so I would doubt that any mold or mildew would be much of a problem. Now if no one is living there that’s something else, then I can see the insurance company having concerns.

About half the homes are empty during the high humidity season.

[jjombrello]

Having a 20 year old HVAC unit is about twice what the normal life span is. Good for you. However, there has been a refrigerant change and it is doubtful that if you needed charging, the required refrigerant would be available. I would look to change the unit. We have a Lennox system and are very pleased with it, however there are other good units available. Shop around.

[Arctic Fox]

15-25 years seems to be the expected lifespan for an HVAC, if regularly serviced.

I suspect that, like many things, the lifespan of those manufactured in the past ten years will be less than those made 25 years ago.

If that is true, then it will have slewed the average such that an "old" one could well last 25+ years whereas its replacement might last under fifteen years.

So you could end up having to replace it again before the original would have failed had you kept it.

[tibbetts]

What is your home owners insurance have to do with your air conditioning? We've replaced ours but my insurance ha never made a request except a roof that is over 15 years old. We replace that too. You might ask them if they cover the AC & Heat, if not what do they care and if it still works, more power to you.

[mikempp]

Originally Posted by roscoguy

According to Rheem: "Despite their mildly flammable classification, A2L refrigerants are extremely hard to ignite."
More info here: What to Know About the 2025 HVAC Refrigerant Change - Air Conditioning Blog - Rheem Manufacturing Company

Don’t buy a Rheem system unless you like getting Rheemed.

[nn0wheremann]

Originally Posted by Fuzzyjourneyfan

My home owner's insurance company just called and told me that they won't renew my insurance unless I have my 20 year-old HVAC (AC/Heat) system replaced. There is nothing wrong with my HVAC system. I asked if they could just come and inspect it, but that's a no-go. I really don't want to switch to a different company because they are probably going to say the same thing. Do I have any other options (besides not having insurance) where I can keep my original HVAC system? If not, do you have recommendations for a good company to install a new one? Very frustrating...grrrrrr.....

Go to Allstate

[bsloan1960]

Where do you get the idea that this person who is concerned about money they may not have, has money to spend on a fancy driveway? Has no one ever told you, "Don't believe everything you read? Guess not. You've read that all Villagers are rich- so you believe it. There is no room in your head for the fact that many are pinching pennies. Conclusion: A person who posts about a concern about money actually wants to spend $10,000 on driveway art.

Originally Posted by bimmertl

Sort of off point, however this is typical Villages mentality. So upset about spending money to replace outdated house issues, but ready and willing to spend thousands on putting some fancy painting on a driveway and thinking it's just a wonderful idea and that cost is a great way to spend money.

Only in The Villages!

[bsloan1960]

If you are standing next to a Fire Exit you aren't blocking it- in case of fire you'll step outside... in the case of an air conditioner failing in the Florida heat you won't wait to get mold- you'll buy a new one right away.

Originally Posted by tophcfa

Failed HVAC can lead to excessive humidity causing mold and a very costly insurance claim. It’s definitely related to their business, like it or not.

[Topspinmo]

Originally Posted by capecoralbill

What the heck are they doing on your roof?

Vent pipe leaking I would imagine which simple RTV sealant fix.